Founding Attorney · Former Licensed Claims Adjuster
When you pay premiums, your insurer takes on a legal duty to handle claims fairly and in good faith. Most do — but when one doesn't, that breach can become a powerful part of your case.
What bad faith looks like
- Unreasonable delays in investigating or paying a valid claim.
- Denying a claim without a reasonable basis or clear explanation.
- Lowball offers untethered to the actual evidence of loss.
- Failing to communicate or 'losing' your documentation repeatedly.
Why my background matters here
Because I spent years on the carrier side, I know the difference between a hard-but-legitimate negotiation and conduct that crosses into bad faith. I know which internal practices are standard and which won't survive scrutiny — and that knowledge changes the conversation.
Carriers count on policyholders not knowing where the line is. Knowing exactly where it sits is the advantage.
What you can do
Keep a written record of every interaction — dates, names, what was said. If you suspect your claim is being mishandled, a coverage review can clarify whether you're dealing with tough negotiation or something actionable.
Suspect bad faith? I handle denied claims, coverage disputes, and bad-faith conduct — with two decades of insider knowledge of how carriers operate.
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